<class 'pandas.core.frame.DataFrame'>
Index: 3533892 entries, 0 to 4456613
Data columns (total 19 columns):
 #   Column                            Dtype  
---  ------                            -----  
 0   race                              object 
 1   sex                               object 
 2   co_applicant                      object 
 3   age                               object 
 4   income                            float64
 5   loan_amount                       int64  
 6   property_value_ratio              float64
 7   mortgage_term                     object 
 8   debt_to_income_ratio              object 
 9   combined_loan_to_value_ratio      float64
 10  tract_to_metro_income_percentage  object 
 11  white_population_pct              float64
 12  metro_name                        object 
 13  metro_code                        object 
 14  metro_size_percentile             object 
 15  state_code                        object 
 16  county_code                       object 
 17  census_tract                      object 
 18  loan_outcome                      object 
dtypes: float64(4), int64(1), object(14)
memory usage: 539.2+ MB
None

	race	sex	co_applicant	age	income	loan_amount	property_value_ratio	mortgage_term	credit_model	debt_to_income_ratio	combined_loan_to_value_ratio	main_underwriter	tract_to_metro_income_percentage	lender_type	lender_size	white_population_pct	metro_name	metro_code	metro_size_percentile	state_code	county_code	census_tract	loan_outcome	lender_id	fips
2200445	Race NA	NA	No co-applicant	25 through 34	57.0	135000	0.512	30 year mortgage	Equifax	Manageable (36-42%)	89.984	Desktop Underwriter	Middle (80-120%)	Independent Mortgage Companies	34041	15.642584	Washington-Arlington-Alexandria, DC-VA-MD-WV	47894	90th percentile	24	033	24033800213	Loan originated (approved)	213800QUAI2VH5YM6310	24033
1378070	Race NA	Male	No co-applicant	25 through 34	87.0	345000	0.989	30 year mortgage	Experian	Manageable (36-42%)	97.000	Loan Prospector	Middle (80-120%)	Independent Mortgage Companies	282102	81.671185	Washington-Arlington-Alexandria, DC-VA-MD-WV	47894	90th percentile	24	009	24009860401	Loan originated (approved)	549300J7XKT2BI5WX213	24009
95096	White	Male	Co-applicant	35 through 44	149.0	525000	1.526	Less than 30 years	TransUnion	Manageable (36-42%)	80.000	Not Applicable	Upper (>120%)	Banks	33699	66.019797	Nashville-Davidson--Murfreesboro--Franklin, TN	34980	80th percentile	47	187	47187050208	Loan originated (approved)	549300OBO7DOF2KOP535	47187

HMDA Dataset Info¶

Mortgage outcomes in HMDA data¶

Applicant Characteristics¶

What leads to loan denials?¶

Are disparities focused in any geographic areas?¶

Denial rates in the Chicago metropolitan area:¶